A Loan Type,
for every buyer.

At WayLend, we have the tools and expertise to package a customized plan that matches your vision that is financially secure now and later in your life.

Our team of lenders is knowledgeable and flexible to be available to meet your needs and address your concerns. Unlike big brand mortgage companies, WayLend puts you before business. We do not only offer competitive rates and close mortgages; we make it easy.

We care about your financial success and believe everyone deserves the opportunity to feel at home.

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Our Process puts you at the center

01

First Time Buyer

We can offer options for a low down payment, no down payment, construction and FHA loans that you can feel financially confident now and in the future.

That's Me

02

Reverse Mortgage

With life changing access to equity, we can supplement monthly cash needs, take care of overdue home improvements, or support medical and assisted living needs.

Tell Me More

03

Non QM Loans

We offer specialty programs that have various nontraditional loan qualifications for flexibility since no living, family, or housing situation is the same.

See The Details

04

Refinance

We have programs to get cash-out, remove Mortgage Insurance, help you save money, and more to help you wherever you are on your homeownership journey.

Connect To Qualify

FIRST TIME BUYER

“Everyone deserves the opportunity to own a home.”

Deciding to buy a home is a big commitment that can be overwhelming. Here at WayLend, we work with you every step of the way. We are the ones to talk to if you are even considering buying a home.

We will help you understand what you can afford without sacrificing comfort. We are not hesitant to say if you are not in the best position to purchase the home you want.

Your livelihood comes first. We will work with you to reach the buying power you need to get what you want since your home should be a place that fits your life. 

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Reverse Mortgage

“We are experts when it comes to reverse Mortgages.”

WayLend offers customized reverse mortgages focusing on each client’s unique life. Reverses are misunderstood and can be scary when not properly explained. By nurturing personal relationships with our clients and their children or other confidants, we can address worries and discover the best plan to reach the client’s current and future goals.

We approach Reverses as a retirement tool by tapping into your home’s (investment’s) equity (earnings). This equity line can be for cash flow, home improvements, medical costs, or aiding family. Through continuous support and communication, our clients are confident with their financial decision. We help each client protect their home and generate peace of mind.

Explore Your Options

Non QM

“Entrepreneurial in every sense of the word.”

Not everyone can fit into the traditional qualification box; 2 years of tax returns, W-2s, high credit, etc…

These specialized programs allow borrowers to qualify on bank statements, on rental income, or on 1099 income. With these products, we have access to more opportunities for our clients. Even if you feel you are not in the greatest position to have a home, talk to us.

Together, we can find a program that works for you or creates a plan that improves your positioning to reach your home goals. 

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Refinance

“Let’s see how you can leverage your equity.”

A refinance of an existing mortgage may come in many shapes and sizes. The most well-known is to lower your interest rate; however, there is so much more.

A refinance can be used to payoff high-interest rate credit or card debt, to make home improvements, to buy another property, or even to remove someone from the current title/loan. Contact us about your finance needs, and we can see if a refinance works for you.

Explore Your Options

"The exceptional work as well as fast communication. John always looked for the best deal for me and scrutinized every aspect of my loan application so it could be approved as soon as possible and without any issues."

Steven G.

Client | Santa Rosa, CA

"John is professional, thorough and honest. He answers every question promptly. He made the reverse mortgage process so much easier. I have so much confidence in him and his team."

Cynthia M.

Client | Santa Rosa, CA

"I have worked with John and his team in the past and like before the experience was excellent. John always puts you in the know and gives great advice on current market trends. Thank you John!!"

Scott M.

Client | Windsor, CA

"John helped shepherd us through a complicated conversion of a construction loan to a mortgage. We were glad he was there to help us navigate all the ins-and-outs of that process."

Scott M.

Client | Santa Rosa, CA

"John helped shepherd us through a complicated conversion of a construction loan to a mortgage. We were glad he was there to help us navigate all the ins-and-outs of that process."

Scott M.

Client | Santa Rosa, CA

Testimonials

Hear from my happy clients

Start Today!

Whether you are interested in evaluating your home financial health, talk about your goals, or interested in joining WayLend, we are here for you!

Contact us

North Bay Real Estate Services Inc. is licensed by the California Dept. of Real Estate, Real Estate Broker’s License (01875528) under Nationwide Mortgage Licensing System (NMLS), unique identifier of (310519).  Lender is performing acts for which a license is required. Refer to http://www.nmlsconsumeraccess.org/ and input NMLS # 310519 to see where NBRES is a licensed lender.  The principal licensed office of North Bay Real Estate Services is 509 7th Street, Santa Rosa Ca 95401; Phone: (707)921-2416. North Bay Real Estate Services is an Equal Housing Lender.